New York: Keeping Insurance Costs Manageable

Getting good auto insurance in New York is a priority for all drivers in the state in order to avoid the stiff fines and penalties that come when one is caught driving without adequate insurance. However, New York car insurance is among some of the most expensive in the country with an average premium rate nearly double that of the national average. Those living in areas such as New York City and Buffalo often pay quite a bit for insurance. Still, one can find ways to help alleviate the costs of insurance.

For instance, one can start with the minimum state requirements to start building a policy. In New York, one is required to carry at least $25,000 with a $50,000 limit in both bodily injury liability and uninsured or under-insured motorist bodily injury coverage. One also needs property damage liability coverage of at least $10,000 and personal injury protection of at least $50,000. Policies such as these will cover damage to vehicles and any medical costs deemed reasonable and necessary but still does not fully cover all potential damage to the vehicle.

One should also consider other policies such as comprehensive and collision policies when searching for auto insurance in New York. Vehicles can be damaged through any number of means such as fire or flooding as well as any kind of adverse weather conditions such as hail and snowstorms. Other acts of nature such as falling debris or accidents like a baseball through a windshield may not be covered under a minimum state requirement package. It is important to consider such factors when building upon a policy to make sure one has complete coverage.

Knowing where one can get discounts will help alleviate the costs of insurance. One can start by looking at the type of vehicle he or she owns. For instance, the most frequently stolen cars in New York are the 2000 Honda Civic, 1994 Honda Accord and 1996 Dodge Caravan, so these car owners can expect to pay higher rates than others do. Looking at the vehicles safety and anti-theft measures can also help one determine whether she or she can get discounts on rates.

Keeping a good driving record can also help one find less expensive auto insurance in New York. Insuring multiple vehicles under one policy can also help lower rates on premiums. These are only a few areas in which one can try to get less expensive insurance in New York. One needs to consider every possibility and shop around in order to find out where he or she is most likely to get a good deal. One can also work with an agent or broker to help make the process easier.

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